环境风险评估在环境污染责任保险费率厘定中的应用
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摘要
文章从企业存在环境风险入手,融合风险管理技术,构建了环境风险评估与基准费率调整系数的基本框架。基于该框架,对我国企业行业性质进行了分类,设计了企业环境风险点确认的流程,并采用模糊综合评价法对企业环境风险点可能造成的损失和发生概率进行了量化,对环境事故的紧急应对和清污进行了辨析,得到环境风险评估结果所对应的环境污染责任保险基准费率的调整系数。文章在给出环境风险造成损害和发生概率模型的前提下,结合保险公司实际分别设计了相应的调整系数,为环境污染责任保险费率厘定提供了一种新的解决方式。
According to the enterprise environmental risk and risk management techenology,basic framework of environmantal risk assessment and benchriark rate adjustment coefficient is constructed in this paper.Based on this framework,the nature of enterprises is classified.The process of confirming the enterprise environmental risk point is designed.And the fuzzy comprehensive evaluation method is used to quantify the possible losses and occurrence probability of the enterprise environmental risk point.Meanwhile,the emergency response to environmental accidents and the pollution clearamce are acutely analyzed.Finally,benchmark rate adjustment coefficient of the basic rate of environmental pollution liability insurance is obtained corresponding to the environmental risk assessment results.On the premise of giving the environmental risk damage and probability,this study designs the corresponding adjustment coefficients according to the actual situation of insurance companies.It provides a new solution for the determination of environmental pollution liability insurance rate.
According to the enterprise environmental risk and risk management techenology,basic framework of environmantal risk assessment and benchriark rate adjustment coefficient is constructed in this paper.Based on this framework,the nature of enterprises is classified.The process of confirming the enterprise environmental risk point is designed.And the fuzzy comprehensive evaluation method is used to quantify the possible losses and occurrence probability of the enterprise environmental risk point.Meanwhile,the emergency response to environmental accidents and the pollution clearamce are acutely analyzed.Finally,benchmark rate adjustment coefficient of the basic rate of environmental pollution liability insurance is obtained corresponding to the environmental risk assessment results.On the premise of giving the environmental risk damage and probability,this study designs the corresponding adjustment coefficients according to the actual situation of insurance companies.It provides a new solution for the determination of environmental pollution liability insurance rate.
引文
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[5]KUNTZ K.Evaluating the economic value of the precautionary principle:using cost benefit analysis to place a value on precaution[J].Environmental Science & Policy,2004,7(4):291-301.
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[7]米兰.基于资本资产定价理论的环境责任保险保费厘定研究[D].青岛:中国海洋大学,2015.
[8]国家环境保护部,中国保险监督管理委员会.关于开展环境污染强制责任保险试点工作的指导意见[EB/OL].(2013-02-21)[2018-10-10].http://www.mee.gov.cn/gkml/sthjbgw/qt/201302/t 20130221_248313.htm.
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[12]国家技术监督局.常用危险化学品的分类及标志(GB13690—92)[S].北京:国家技术监督局,1992.
[13]国家环境保护部办公厅.企业突发环境事件风险分级方法[EB/OL].(2018-02-07)[2018-10-10].http://kjs.mee.gov.cn/hjbhbz/bzwb/other/qt/201802/t20180207_431020.shtml.
[14]於方,张衍燊,赵丹,等.环境损害鉴定评估技术研究综述[J].中国司法鉴定,2017(5):18-29.
[15]胡宣达,沈厚才.风险管理学基础:数理方法[M].南京:东南大学出版社,2001.
[16]HALL J R,SEKIZAWA A.Fire risk analysis:general conceptual framework for describing models[J].Fire Technology,1991,27(1):33-53.
[2]游桂云.环境责任保险模式选择与定价研究[D].青岛:中国海洋大学,2009.
[3]游桂云,赵智慧,戴蕾奇.环境责任保险定价理论与方法选择[J].价格理论与实践,2011(10):86-87.
[4]MERRIFIELD J.A general equilibrium analysis of the insurance bonding approach to pollution threats[J].Ecological Economics,2002,40(1):103-115.
[5]KUNTZ K.Evaluating the economic value of the precautionary principle:using cost benefit analysis to place a value on precaution[J].Environmental Science & Policy,2004,7(4):291-301.
[6]戴蕾奇.基于极值理论的环境责任再保险费率厘定研究[D].青岛:中国海洋大学,2013.
[7]米兰.基于资本资产定价理论的环境责任保险保费厘定研究[D].青岛:中国海洋大学,2015.
[8]国家环境保护部,中国保险监督管理委员会.关于开展环境污染强制责任保险试点工作的指导意见[EB/OL].(2013-02-21)[2018-10-10].http://www.mee.gov.cn/gkml/sthjbgw/qt/201302/t 20130221_248313.htm.
[9]李民,刘连生.保险原理与实务(第三版)[M].北京:中国人民大学出版社,2015.
[10]国家质量监督检验检疫总局,国家标准化管理委员会.国民经济行业分类(GB/T 4754-2017)[S/OL].(2017-10-01)[2018-12-10].http://www.stats.gov.cn/tjsj/tjbz/hyflbz/201710/P02018 0402592793000880.pdf.
[11]国家环境保护部.固定污染源排污许可分类管理名录(2017年版)[EB/OL].(2017-08-03)[2018-10-10].http://www.mee.gov.cn/gkml/hbb/bl/201708/t20170803_419132.htm.
[12]国家技术监督局.常用危险化学品的分类及标志(GB13690—92)[S].北京:国家技术监督局,1992.
[13]国家环境保护部办公厅.企业突发环境事件风险分级方法[EB/OL].(2018-02-07)[2018-10-10].http://kjs.mee.gov.cn/hjbhbz/bzwb/other/qt/201802/t20180207_431020.shtml.
[14]於方,张衍燊,赵丹,等.环境损害鉴定评估技术研究综述[J].中国司法鉴定,2017(5):18-29.
[15]胡宣达,沈厚才.风险管理学基础:数理方法[M].南京:东南大学出版社,2001.
[16]HALL J R,SEKIZAWA A.Fire risk analysis:general conceptual framework for describing models[J].Fire Technology,1991,27(1):33-53.